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I have 2 defaults on my credit record from Hutchinson 3 UK which i am having massive difficulties resolving.

On Experian they both have an outstanding balance. I have called 3 who have stated that there is no outstanding balance, but that it has been written off as "bad debt". Apparently it went to a DCAicon May 2017, who then sent it back to 3 at some point in November 2017 as uncollectable. It was uncollectable as i had move out of that address 4 years ago......basically when i moved i called 3 and asked my my address to be changed. Obviously that didnt happen, and then beginning of last year i called to cancel my contract(outside of terms, i had been with them for 4 years). The last bill i never recieved as the address on the account hadnt been changed. Whatever though, thats not really the issue.

The last week i have been trying to make payment for the arrears to get it marked as settled on my credit report. Three wont take payment as its been written off, and the debt agency it went to apparently hold no records as it was returned to 3 over 6 months ago.

Just looking for some advice on how to get this resolved? I've raised a complaint but need to wait until they respond at this point.

What i want is for the default balance on my credit file to be a big fat 0. If three are unable to take payment off me so i can clear it, then i would like them to report it as being 0 if they have written it off

I will have the default, I understand that. My issue is the default has a value attached to it but I have no way of paying it off.

The reason I want to do this as a couple of potential mortgage lenders have stated they will accept the default on my credit report but only if it has been satisfied and has a zero balance attached to it.

I will have the default, I understand that. My issue is the default has a value attached to it but I have no way of paying it off.

The reason I want to do this as a couple of potential mortgage lenders have stated they will accept the default on my credit report but only if it has been satisfied and has a zero balance attached to it.

I received a call from 3 this morning regarding this complaint. Had to go through all the details again, including giving my OLD postcode for the millionth time as they still havent changed my address.

This time the assistant stated the debt had been sold to Lowell in 2017. This is the first time i have been told this, first i was told it was written off, then it was with past due collections, now its with Lowell....

Funny thing is i called Lowell a month ago to sort out payments on another issue. Asked them to check my current and previous address for any issues and was told they had nothing else recorded against my name or addresses.

If its indeed been sold to Lowell i asked the agent why are 3 still reporting the debt to the CRA's, and not Lowell, He had no answer.

I quoted the transcript of an earlier recorded call i had from a colleague of his, whereby the agent stated that 3 had recorded a credit to the account and that no money was due to 3 or to a 3rd party. He declined to comment.

At this point the agent stated his full and final resolution to my complaint was that i had to contact lowell directly, and that 3 would send a letter to my home address stating this as their full and final resolutuion. Guess what address they are going to send it to? yep, my old address....

At this point where do i go from here? I'm never going to get this f&f resolution letter, but can i now go to the ombudsman as three state they have closed the complaint?

It shows both the contracts stands disconnected and there is no outstanding balance on the account. To update the new address on the disconnected account you need to call the Three customer service team and place a request for the same.

I've placed a update the credit on both the accounts. Our credit referral's team will look at your case. We can't guarantee that we'll change your credit file. The credit file will always reflect a true picture on how the account was managed. It will take up to maximum of 30 days for the credit file to be updated.

Does this sound like they are going to update the outstanding balance to zero?

I have replied asking if this is confirmation that the outstanding amount will be updated with the CRA's

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